The limit of how much you can borrow at a time is 50 cloud points. You have to pay it off in a week or it will be reduced from your bank. If when we reduce your money you go into the negitives, you will have to earn the money back by doing stuff, and you cannot buy anything.
You can make your own bank with permission of a leader, and the leader will add 500 to your bank. You can also add your own points too it.